1. Introduction
AEM SERVICES INC, doing business as Capital Rate Mortgage ("we," "us," or "our"), respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website capitalratemortgage.com or interact with our services.
2. Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number (if provided), mailing address, and other information you voluntarily provide through our contact forms.
- Financial Information: Information related to your mortgage inquiry, including loan amount, property details, and income information you choose to share.
- Usage Data: Browser type, IP address, pages visited, time spent on pages, and other analytical data.
3. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide mortgage lending services
- Process and evaluate loan applications
- Communicate with you about your inquiry or application
- Improve our website and services
- Comply with legal and regulatory requirements
4. SMS/Text Messaging
If you opt in to receive SMS/text messages from Capital Rate Mortgage, the following terms apply:
- You consent to receive text messages from Capital Rate Mortgage regarding your mortgage inquiry, application status, and related communications.
- Messages may be sent using an automatic telephone dialing system (ATDS).
- Consent is NOT a condition of purchase. You are not required to consent to receiving text messages as a condition of purchasing any goods or services.
- Message frequency may vary. Message and data rates may apply.
- You may opt out at any time by replying STOP to any message. Reply HELP for assistance.
- We will not share your phone number or SMS consent with third parties for marketing purposes.
- Carriers are not liable for delayed or undelivered messages.
- By opting in, you acknowledge that an autodialer may be used to send messages.
5. Information Sharing
We do not sell your personal information. We may share your information with:
- Service providers who assist in our business operations
- Regulatory authorities as required by law
- Third parties with your explicit consent
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
7. Your Rights
You have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Opt out of marketing communications at any time
8. Contact Us
If you have questions about this Privacy Policy, please contact us:
AEM SERVICES INC d/b/a Capital Rate Mortgage
445 E 85th St, New York, NY 10028
Email: tetiana@capitalratemortgage.com